Have you tried to build sites, put in all the hard work of content creation and backlinking, only to find that the sites are underperforming, even though you rank in the search engines?

If so, you have probably missed the most important aspect of Internet Marketing, and that is niche selection. With the thousands of niches we have found for our clients, we are able to offer you a niche selection service that will take all the guesswork out of your business, and ensure that the web properties you build will perform above and beyond your expectations.

Read on for a detailed overview of how we find these niches, and how we can help you to win the game…

One of the first lessons you will learn when you start your journey through Internet Marketing is the importance of niche selection. If you do not begin with viable keywords that have the potential to make you money, then you will be putting a lot of effort in and seeing little results. Likewise, if you choose a niche that is highly competitive, you will have an uphill battle on your hands.

Now, there are many different theories about what makes a great keyword, but the reality is that it is very easy to determine the feasbility of a keyword. There are three factors at play here; monetary value, public interest and competition. All of these factors are easily quantifiable, but to find the really great keywords takes a decent amount of work. We have a lot of experience in niche selection, and have been discovering thousands of new niches for our clients for many months now.

The Keyword Academy has a great formula for caculating the monetary value of a keyword. The Google Adwords Keyword Tool provides us information on what advertisers are willing to pay for each click, as well as how many people are searching for that keyword every month. From these two values, we can figure out how much a keyword could earn us, monetizing with adsense, if we were at the top of the search results for that keyword.

If we are the number one search result for our keyword, we can expect to get about 40% of the traffic to our site. Of that 40%, about 5% (on average) will click on an ad. Our commission for an Adsense click is about 25% (this is only an estimate, but is calculated based on lots of previous experience). So if we found a keyword that had 10,000 searches per month and had a CPC of $4.50, it’s monthly potential would be worked out as follows…

10,000 x 40% (number of people we expect to visit our site if we are in the #1 position) = 4,000 visitors per month
4,000 x 5% (number of people that will click our ads) = 200 clicks per month
200 x $4.50 (the cost per click) = $900 that Google will earn from our clicks
$900 x 25% (our commission) = $225

So, given the two values from the Google Adwords Keyword Tool (cost per click and average monthly searches), we can estimate that the monthly potential of that keyword is $225 (assuming that you are in the #1 in the Google search results).

We have a lot of experience in finding keywords that have this sort of potential (and much greater), and we would like to offer our services to you. Our rates are 1% of the potential of each keyword. This means that if the keywords potential is $50 per month, our fee would be 50 cents, whereas a keyword with $1,000 per month potential (yes, they are out there, and even greater) would cost $10.

What do you get for this amount? You get an Excel spreadsheet, with all of your keywords listed, along with the monthly search volume, cpc and calculated potential. You will also get the page rank values for each of the top four search results for that keyword. To pass our competition rules, the top four pages must have a page rank of 4 or less. Furthermore, if they have a page rank of 4, then they will not have the exact keyword in the html title of the page. This ensures that the keyword is easy to rank for, given the right backlinking strategy. An example spreadsheet can be downloaded from http://greenkeywords.notlong.com/

Are you interested in getting a list of keywords for a particular niche, or just a general list of random words that you can start building into a passive income? If so, fill out the form below and we will get back to you as soon as possible…

Everything I have learned, and everything that I talk about on this site, has all been learned from one place – The Keyword Academy. This is a community of budding Internet Marketers that all share a similar goal of freedom, and are all using Internet Marketing to reach that goal. The site is run by Courtney Tuttle, a well known and well respected figure in the Internet Marketing community, and also has members like Grizz, who is famous for turning a Blogger blog into a money making machine that earns him thousands every month.

The Keyword Academy is first and foremost a learning tool. Courtney has set up a series of video tutorials that takes you step by step through every facet of Internet Marketing. It’s as easy as following the bouncing ball. His no nonsense, step by step approach, means that anyone can succeed in this business, with no prior knowledge of the business needed. By signing up to the Academy, you receive instant access to all these videos.

The videos aren’t the only reason to sign up though. Membership includes full access to a private forum packed full of like minded people, from complete newbies to seasoned travelers willing to give amazing advice to members. If you have any prior experience with Internet Marketing forums, you will know that the majority of them are full of spam and very little help to anyone. The Keyword Academy forums are nothing like this, they are full of people who are serious about succeeding, and happy to help others. The forums themselves are designed to highlight members that are succeeding, so you can be sure that the advice that is given is coming from someone who knows what they are talking about.

There are many other reasons to join up, including access to a tool recently purchased by the Academy called “Connect Content”, which takes all of the hard work out of finding people within your chosen niche to network and trade links with. This tool on its own is worth the price of admission. Access to the Academy costs $1 for the first month. That $1 gives you complete access to everything for 4 whole weeks. If you decide that you don’t want to continue your membership after that month, all you have to do is log into your Paypal account and cancel your membership. There are no hidden tricks. If you do decide to continue your membership, the price is $33 a month.

I will be talking a lot about the Academy and it’s methods on this site, but no amount of rambling from me will replace the benefit you gain from signing up. For $1, you would be mad not to.

The best place to start is to get yourself a master list of words and phrases that you would be interested in pursuing. If you are just starting out, try and think of topics that you have some sort of interest in. There’s a lot of money to be made with topics such as insurance and surgery, but unless you have a fascination with those topics, it is going to be a chore to get content out there on them. Start off with the easy stuff and work your way up. Let’s say you’re a musician, or a music lover. Your initial “brainstorming” list may look something like this…

• drums
• guitar
• keyboards
• rock and roll
• old time radio
• jazz
• symphony
• sheet music
• guitar strings
• mp3 downloads

…etc, etc. You really need to just open up your mind and let the words start flowing. At this initial stage, don’t over think anything. We are looking for a big big list, preferably in the thousands, and the good ones will rise to the top in the later steps of this process. If you over think the process, you may discount a word that you think will not be a viable money maker and leave it out of your list. This is not a guessing game, it’s a numbers game, and following the logical steps I will lay out for you will ensure that you find some winners.

“In the thousands??” you say. Yes, over a thousand keywords in your masterlist is a great place to start. If you get stuck (and you will), here are a few tricks that you can use to get your creative thinking juices going. Go to Amazon and find the category of products that matches the topic you are concentrating on. In our example, our first stop would probably be the Musical Instruments section. Scroll through this section with your notepad open and throw every related word you can find on your list. Don’t forget to include brand names and accessories. You have guitar, but do you have guitar pick, guitar strap, Fender Starcaster, kids guitar? Write them all down without judging any of them.

There are, of course, places other than Amazon that you can get ideas from. eBay is another great spot to get ideas, as is Dmoz Open Directory Project. Once you have sucked all the words out of these three places, you might want to go to Yahoo Answers and see what sort of questions people are asking about your topic. Turn these questions into two or three word phrases and add them to your list. For example “Where is a good place to learn guitar in Philadelphia?” becomes “guitar lessons”, “Where can I find a cheap acoustic guitar for my grandson?” becomes “cheap acoustic guitars”. You get the drift, anything that is relevant should be added to your list, and if you add “guitar lessons”, then you are going to want to add “violin lessons”, “clarinet lessons” and “didgeridoo lessons”.

So your homework is to go and get yourself a masterlist. Don’t come back here until you have at least a thousand words, and then I’ll show you how to turn that 1,000 word list into a 30,000 word superduper list.

There are many different ways that you can break free from a regular job and become self sufficient, but the techniques that I am using, and the methods I will talk about here, will give you a passive income, meaning that the work that you do now will continue to pay off after the work is done, the aim is to end up with a steady stream of income that continues to come in long after you have completed the work. Many people find it hard to believe that these real work at home jobs exist, as it is so ingrained in our psyche that you go to work for a week, and you get paid for the work you did that week. For this reason, many will try and convince you that this is a pipedream. After all, if it were possible, why isn’t everyone doing it?

The answer to that question is simple; it is hard work to set it up. People seem to translate the term “passive income” as meaning “getting paid for doing nothing”, and that is the ultimate goal, but there is a long road to travel before you get there. This is the reason that people fall for so called “money making ideas” that promise to hand everything to you on a silver platter just by sending them $67.95. This is good news for anyone that is serious about wanting to succeed with this type of business model. If you are persistant and put in the work, you will eventually get there, and you will be met with minimal competition (assuming you choose the right niches), because the majority of the world is lazy.

Creating this type of lifestyle online consists of five steps, each one is of critical importance. The five steps are; niche selection, property building, content creation, promotion and monetization. Your goal is to have web properties that are considered to be an authoratative source of knowledge on your chosen topic. Considered authoratative by who, I hear you ask? Well, by the search engines primarily, as it is the search engines that will direct people to your property. What’s more, it’s really just one search engine that we need to primarily concentrate our efforts on. Yep, you guessed it, Google. The Big G. Google is the place that the majority of Internet users go when they are looking for. They are so popular, that Google is now considered a verb, rather than a brand name. We’ve all done it. You want the phone number of that new pizza shop? Just Google it. Your kids thrown you a curveball with a homework question? Get them to Google it. Because of Googles popularity, it is imperative that we understand the way it works in order to succeed, and I will be discussing this in much greater depth in posts to come. Once you have an authoratative property, you will naturally get a lot of visitors, and there are many different ways that you can turn that traffic into money.

Make Money From Home – Step One – Niche Selection

So back to our five steps, and I will only be touching on these briefly today, and expanding on them in days to come. Firstly, niche selection. If you are going to create a web property with the hope of attracting visitors who will convert to money, you need to be focussed in your approach. This very first step is the place where most people slip up, and if you get this step wrong, it is going to be an uphill battle to make anything of your efforts. A personal blog that is about anything and everything may seem like the most amazing thing to you, but there is no focus, and even if people do end up on your site, they will be people who are surfing around, looking for anything and everything. They are lsort of like the people that come into the store because they’re waiting for the bus, they have no intention of buying anything, and no reason to be there, they are just killing time. If, however, you create a very focussed website about one particular topic, then the people that you will attract will be people that are interested in that topic, and it’s these people that will convert to money. Choosing a good topic (or niche, or keyword), is a delicate process. It needs to be a topic that is somewhat popular, otherwise, even if you do become an authoratative source, you are not going to get many visitors. It also needs to be a “paying” topic. This means that people must be willing to spend money on the niche that you have selected. Finally, it needs to be a topic that is not too competitive, particularly when you are just starting out. I mentioned earlier the folly of trying to get rich off this site, which is all about making money from home. The reason I said that is because the competition for this niche is fierce, and it would be a great deal of work for me to get anywhere worthwhile with it.

Make Money From Home – Step Two – Property Building

Step two is site creation, and this is all nuts and bolts stuff, which I will touch on, but I am not an expert on. There are plenty of resources available for people who want to learn how to buid there on websites, and there is blogging software available that automates a lot of the tedious work. That said, you don’t even need to build your own property from scratch. There are places where you can go that allow you to build quick and easy pages about your topic with very little technical knowledge needed. We will look at places like Hubpages and Infobarrels as well, as these are tools that can be of great benefit to the beginner, a great way to get your feet wet before venturing out on your own.

Make Money From Home – Step Three – Content Creation

Then comes content creation. This is the bane of my existance. You may be mistaken for thinking that I enjoy writing, given the length of this post, and there are topics, like this, that I can quite easily ramble on about forever. Unfortunately, the topics that you will end up writing about will quite often be boring, tedious, and even gross at times. It’s a necesary evil, however. The Internet is basically the worlds biggest library, and if you want to be a part of it, you are going to need to do some serious writing. Either that, or you are going to be spending a lot of money to get people writing for you. Either way, it’s going to cost you time or money, it’s up to you to decide which one you can afford more of. Another skill that you are going to need is the ability to research. Many of the topics you will write about, you will have no idea about, so it’s important to have a firm grasp on researching information so that you can become an authority on it. We will also be discussing this in much greater length in posts to come.

Make Money From Home – Step Four – Promotion

So, you’ve chosen your niche, you’ve built your site, and you’ve written your content, but no one is coming? That’s because you haven’t done any promotion yet, and the search engines have no idea of your importance. As far as Google is concerned, the Internet is a big popularity contest, and popularity is measured by how many links are pointing at your site. It’s not only the number of links that are important, however, it’s also the quality and relevance of those links. If you have a website on kettles, and you get a heap of links from other websites about motorbikes, those links aren’t going to be worth much, because the two sites are not relevant. If you got some links from a site about kitchen appliances, however, that would be fantastic. Google knows that your two sites are related to each other, and that link will hold a lot more weight. There are numerous ways to get links pointing back to your site. This is a huge topic of discussion, and yes, we will be going into it in depth.

Make Money From Home – Step Five – Monetization

And finally, we have monetization. Payday. You’ve put in all the hard work, and you are getting a steady stream of “customers” coming through your “door”, so now you need to decide what it is you’re going to sell them. This doesn’t mean that you have to create a product (although you could, if you were that way inclined, but it wouldn’t truly be passive income then, would it?). You can sell other peoples products, or you can simply have advertisements on your site, and get paid a small amount for every person that clicks on those ads. Once again, there are many different way to monetize a website. We will be looking at them eventually, but that is a long way down the track. We have a lot of work to do before we get there. Talk to you again soon.

Everything I have learned has come from two well respected people in the Internet Marketing game. The first one I discovered is Grizz, who runs a few different blogs based on the subject of earning money online, the most active one is How To Make Money Online For Beginners. Don’t be put off by his resemblance to a Grizzly Bear, he doesn’t bite, and is in fact one of the most friendly and helpful people in the business. He has a following of thousands, and every post he creates on his blog creates a huge amount of discussion. A word of warning though, to get the most out of Grizz’s site, you are going to have to be a fan of reading, Grizz is not shy when it comes to using his keyboard, even though he’d be much happier with a golf club in his hand. That website alone will give you enough information to keep you occupied for many months to come, and is also a great place for networking. We’ll talk about the importance of networking in future posts, but suffice it to say that making money from home can be a lonely business, and it’s important for you to have friends in the game, not only for your own sanity, but for the good of your business as well.

As good as the information on Grizz’s site is, it is easy to spend too much time reading, and not enough time acting. If you want a more focussed approach, then one of Grizz’s close friends is a guy by the name of Courtney Tuttle. If you do a search for “Internet Marketing” in Google, Court’s Internet Marketing School will be one of the first entries on the first page of the results. This is a super competitive keyword, and his position in Google is testament to his skills as an Internet Marketer. Once again, that website is jam packed with information, all of which agrees with the info on Grizz’s site. Recently, however, Court has branched out. He is now offering up a place where he teaches literally thousands of students all of his secrets in an easy to follow, step by step approach. This site is called The Keyword Academy and it is here that I have learned everything that I know. The Keyword Academy is more than just a course, however. Once you join, you will not only have access to all the core videos that will provide you with the information you need to start, you will also be able to ask questions in the forums and interact with the rest of the community. Everyone there is super helpful and friendly, and more new people are arriving every day. The Academy is based on the subscription model. You will be asked to pay $1 for the first month, which will give you access to everything on the site. If you decide to stay after that month (and trust me, you will), the payments are $33 per month after that, but you can easily quit at any time. If you want to be successful and earning money from your own home, then this is the one thing that you cannot afford to miss. I will be covering a lot of what is taught there, but no simple website will ever match the support that is given at the Academy, and they are building on it every day.

So, that’s a bit of background on where I have received my information. I have been interested in Internet Marketing for a few years now, but only started seriously working at it 5 months ago, and I am starting to see results that prove to me that this can really be done, and it is possible to be making money from home and never have to worry about having a day job ever again. During the course of writing this blog, I will keep you updated on my successes, and I hope that sometime soon I will be able to announce the termination of my day job. I hope that you will follow me on my journey, and learn some things along the way. I need to make one more thing clear before I begin sharing what I have learned; this is not a get rich quick scheme. Don’t expect to be able to walk into your boss’s office tomorrow and tell him where he can shove his job. With hard work and persistence, you will indeed get to that stage, but it’s not going to happen overnight. I know that there are a lot of websites out there that will promise you overnight success, but every one of them is a liar. If it were that easy, then everyone would be doing it, and that’s just not the case.

In my next post, I am going to be breaking down this whole business in the simplest terms possible. There is too much techno talk and mumbo jumbo on the Internet already, and I hope that this site will allow even the least techno minded person to understand how Internet Marketing works, and how you can be successful at it. It really isn’t all that difficult, if I can succeed at it, then so can you. Talk to you again soon.

Before adding a product to your eBay account, it is extremely helpful to do a bit of research. Spending a little time searching through the eBay listings will allow you to determine if there is a market for the product you are trying to sell. You will also be able to get a good estimate of what your item is likely to sell for. Simply work out an average of what it has sold for previously. Another benefit to researching before listing is that you will be able to get a good idea of how much competition there is for a particular product.

A thing that many people forget to take into consideration is the fact that if you actually sell your item, you are then going to have to package it up and ship it off to the buyer. This takes time to do, and costs money. Depending on the item you are selling, it could cost a lot of money. Make sure you know exactly what your expenses are going to be before deciding on a price for your eBay item.

Spend a bit of time creating the description of your item on eBay. Don’t forget, you are competing with millions of other people and products all over the world, and the description is quite often the thing that will make a person decide whether to click through to your product or not. You need something original and eye catching to keep your potential buyers attention. You also need to provide people with a good description of exactly what it is your selling.

If you are new to eBay, you are going to have start off by establishing yourself as a trustworthy seller. This is going to take time, because the way eBay works, people will rate you based on the service they have received from you. Keep this in mind with not only every sale you make, but every communication you have with potential buyers. One bad review can lose you literally hundreds of sales.

Finally, make sure that the goods you are selling on eBay are of a high quality. It’s alright to sell second hand goods on eBay, but you need to make sure that they are clearly labelled as such. Your customers are not going to be happy if they pay money expecting brand new items and receive scuffed up used goods.

Keep this simple rules in mind and you will be well on your way to making money from home using eBay

Clickbank is a website that offers both vendors a chance to list their products online. These products can range from computing sporting goods, from ebooks to ringtones. The reason the vendors list their products on this site is so that other people can sell them. You may ask “Well, why would I want to put time and effort into selling someone elses product?”. The answer is simple – commission. Most vendors that list their products on Clickbank offer around a 50% commission on items sold, and some offer up to 75%. That means you are earning more off the sale than the actual vendor is, which is a very sweet deal.

Now the question is, how are you going to make money from home selling these products. Clickbank actually makes this process simple and painless. Basically, you sign up to their website as an affiliate, which gives you access to all the products vendors have listed on their site. You do a search for the type of product you would like to promote, and then Clickbank gives you a link that is unique to your account. You can then promote this link wherever you want. Here are a few ideas…

• Log into your Twitter account and write a brief message about the product you are promoting, including your affiliate link.
• Send an email off to people in your contact list that you think may be interested in this product (be careful doing this, you do not want to come across as a spammer)
• Log into facebook and let a few people know about the product by writing on their walls.
• If you have a blog, write a post about the product. It can be in the form of a review. People love to read reviews and get feedback on a product before they buy.

There are many more ways you can promote these products, the only limitation is your imagination. You could even stick a few business cards up on your local noticeboard with the link printed on them. The beauty of this is that you do not have to come up with a product, design it, test it and hope that it will sell. All the hard has already been done for you. All you have to do is promote it, and you can instantly be making money from home.

Let’s say, for the sake of this discussion, that you are a huge jazz fan. You have a big record collection, you have a large list of sites bookmarked on jazz, and you know the names of all the best bands and their history. With knowledge like this, you could set up a blog that is focused on this topic and write posts on a regular basis.

Now, I know what you’re thinking, your mind starts to spin at th thought of web hosting fees, domain name registration, not to mention all the technical stuff that goes along with it. On the contrary, a blog costs absolutely nothing to set up. In fact, this whole process won’t cost you a cent, just a few hours to set up, and then 10 minutes a day to add a new post and keep your blog running smoothly. You can basically work from home make money discussing subjects that you are already passionate about. Let’s face it, the last time someone bought up the subject that you are passionate about, did you not start blabbering excitedly about it? We all do it, and now’s the chance for you to get all that passionate out in the open and let people read all about it.

So here’s how we start to work from home online. For starters, you want to use the Google Adwords Keyword Tool to determine how many other people share your interest, and find out what words they are using to search for it. Using our example of jazz, I put that into the tool as a query and it gives me a list of related searches that are made for this subject. The number in the column “Global Monthly Search Volume” shows you how many people have searched for that word each month. According to this tool, the word jazz is searched for over 11 million times a month. That’s a lot of searches, but I can guarantee you that there are a lot of websites that have spent a lot of time building their site around that term, and competing with them is going to be near impossible.

Your main goal here is to get people to come to your site. To do this, you need to A) have decent content on your blog and B) show up in Google when people look for you. How is this going to help you to make money from home? Well, there are many ways to monetize a blog, but the most common (and simplest) way is to put Adsense ads on your website. The advertisements that will be shown will be related to the subject that you are writing about, and you will receive a commission for every click that is generated.

So, getting back to our list of keywords, you may not want to target the single word Jazz, because there is a LOT of competition for this word. To determine how much competition there is, go and do the search yourself and have a look at the sites that show up on the front page. You need a phrase that is still searched for a lot, but not as common. This is called a “niche”. If we drill into our list, we may look at a phrase like “jazz cd” (which still has over 90,000 people searching for it) and build our blog around that phrase. Some people take a phrase like this and use it to earn cash uploading music files or even whole albums. You need to be very careful that you don’t break any copyright laws if you are going to go this route though.

Lets say you’ve identified a skill you have. For the purposes of this example, we’ll say that your skill is fixing wooden chairs. It could be grooming the dog, it could be finding the cheapest petrol. It really doesn’t matter what your skill is, the methods we are going to outline here will allow you to use the skill to make extra money from home.

The first thing you need to do is put down on paper exactly what your skill is and how you go about doing it. Pretend that you are sitting (maybe on a wooden chair), with your hands tied behind your back, and you need to explain to someone that has never touched a wooden chair in their life, how to fix it. Now, write down in your word processor exactly what you are saying to this person. 

By the end of doing this exercise, you should have a couple of pages of in depth information on your skill. If you haven’t written at least 800 words, then you probably haven’t gone into enough depth, and your imaginary trainee is standing there looking at the chair and scratching his fictitious head. Go back and fill in some gaps until you have a decent couple of pages.

Now that you have a few pages, grab some images that match the skill that you have described and place them into the document. You can get royalty free images from sites such as Flickr, just go to advanced search and select the Creative Commons option. As long as you remember to credit the original author, you can legally use these photos however you like. Play around with their placement until it looks good and give your topic a nice title page. Once you are happy with how it all looks, you need to print the document as a PDF file. If you don’t currently have software to do this, you can download a program called CutePDF to do so. Then Voila! You have an e-book.

Of course, this technique is not limited to chair repairs. You could be teaching someone how to put on a diaper, how to fly fish, how to count cards, what to invest in, the options are only limited by your imagination and knowledge.

That’s all fine and well, you say, but how is that possibly going to make money? Well, glad you asked. What you need to do is sign up for a service like Clickbank. Sign up as a vendor and list your eBook as a product available for download for a small price (say around $5). You will be surprised at how many people will buy this information if the price is low enough. And the best part is, the way Clickbank works, other people sell the item for you. You offer them a bit of commission for their trouble, and sit back and watch the dollars trickle in. 

Now, I realise I have glossed over a lot of the details in this post, but in future posts we will be going into a lot more depth on how to set up Clickbank, how to set up a web page that will sell your eBook, and lots of other tricks to get this working for you. This is just one of many ways that you can start making money from home. Stay tuned for more ideas next time.

Stick with us and we’ll try and help you through these hard times.

The first thing you need to ask yourself is “What skills do I have?”.  A lot of people get stuck at this very first stage, because they are unable to recognise just how resourceful they are. They tend to think of their skill set as being limited to what they did for a living. For example, a friend of mine was just laid off from a major supermarket chain where she was working behind the checkout. She’s interested in fending for herself, but she said to me “What am I going to do, set up a cash register on my front porch and wait for people to start handing me money?”. Of course, this is ridiculous, but I assured her that her knowledge was surely not limited to pushing buttons on a cash register.

What are you doing right now, this very instant? Reading this blog, right? What skills does it take to do what you’re doing? Sure, you need to be able to read, but you must have booted up your computer, fired up your web browser, maybe you went to Google and searched for “make extra money from home” and ended up on this site. Perhaps you’re using Firefox and you downloaded and installed it yourself. Maybe after visiting here you are going to head off to Facebook to catch up with your friends.

An important thing to keep in mind when researching ways that you can make money from home, is to make sure that you don’t fall into the trap of running down the miriad of rabbit holes that the internet offers you ove and over again. While looking around, you’ll see surveys, “get paid to” ads, get rich quick schemes, multi level marketing programs and competitions and freebies. It’s easily to get overwhelmed by all the choices out there, but we will hopefully show you that it really doesn’t have to be that difficult.

All of these activities are based around a skill set that you can use to create income. All you need is a little direction, and hopefully we will be able to point you on the right path. You’re not going to become a millionaire overnight (you may never become one), but at least you’ll be able to get through these times with the knowledge that you were able to help yourself, instead of relying on others that may not be there when the hard times come.